Nilam Mangale
Thane
Summary
To grow in an organization by contributing to its growth using my technical & management skill.
Overview
12
12
years of professional experience
Work History
Associate Credit Manager
Si Creva Capital Services Pvt. Ltd.
01.2024 - Current
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Reviewed and analyzed loan procedures.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Utilized financial software to prepare consolidated financial statements.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
Credit Manager
Switch My Loan PVT LTD
04.2023 - 12.2023
- Analysis & studying the whole LAP & HL Cases
- Generating & Analyzing Cibil Report
- Finalize the Banker or MNC’s for case login, Sanction or Disbursement
- Doing complete TVR of the Customer
- Doing PD (Personal Discussion) of Customer
- Met different Bankers & Discuss with Case to Case
- Taken Low Cibil score call
- Verifying Pre & Post Sanction Docs of HL & Lap Cases.
Sr. Credit Underwriter
Liquiloans Pvt. Ltd.
01.2022 - 04.2023
- Preparing Dealer Wise MIS on daily basis for Approved, Pending, Rejected & Withdraw cases of Personal Loan & Consumer Loan analysis
- Sanctioning authority up to 15 Lac
- Preparing Automation, Collection, Bounces & FLDG settlement MIS’s
- Analysis & approving the cases of Personal Loan & Consumer Loan
- Handling credit Ops team
- Doing complete TVR of the Customer
- Doing PD (Personal Discussion) of Customer Above 10Lac Cases
- Onboarding the New dealer in the System
- (Adding Store & Scheme)
Sales Coordinator/MIS Coordinator
Conneqt Business Solutions Ltd.
08.2019 - 11.2021
- Preparing MIS on daily basis of ABND cases, NET disbursement, Cancellation cases & Login and Sanctioned cases for the product of LAP (Loan Against Property)
- Publishing LAP business MIS on a daily basis to the Business Team
- Preparing Milestone MIS on weekly basis for MD review
- Co-coordinating With Sales Team & Credit Team
- Collecting & Closing PDD (Post Disbursal Document) document
Credit Executive
Talent Pro – People Resource Solutions
07.2018 - 08.2019
- Complete KYC (Know your customer) Knowledge
- Verifying Pre & Post Sanction Docs of Business Loan
- Review and check complete pre sanction & post sanction document of file received from sales team of Business loan
- Disbursement of Business Loan in LOS system
- Raised query regarding any pre and post sanction document to credit manager
- Preparing daily login and disbursement Mis of Business loan product through data received from sales team & LOS system
- Create Prospect number
- All the relevant data entry in system
- Generating CIBIL report and CIBIL analysis
- Preparation of CAM and discussion over telephone with customer and submission of case details to Credit Manager
- Initiation of case upon the receipt of file and follow up the case till disbursal
Operation Executive (Finance Executive: - CPC)
Tata Business Support Services Limited
02.2015 - 07.2018
- Working as as an Underwriter & Preparing Credit Appraisal Memorandum i.e
- CAM for Business Loan
- Plotting the Banking, Financial (ITR), Loan RTR in Business Loan CAM
- Preparing Credit Appraisal Memo’s for Business Loan
- Check RBI data and CIBIL data in online
- Review financial position & all other documents attached which includes Balance sheet, Profit & loss A/C, ITR, Auditors report, Form 16 and all other KYC documents
- Anayalise assets Liabilities Bifurcation of secured and unsecured loans in balancesheet
- To check all documents as per the policy & procedures of the organization
- Analyzing the credit worthiness of the customer & preparing Credit Appraisal Memo’s for effective decision of the Credit authority
- Finalizing the CAM with eligibility and made credit pitches to send seniors for final approval.
Account Executive
E-nxt Financial Ltd
06.2014 - 01.2015
- Complete knowledge of Employee Claim Billing Process
- Received Employee Claims by Mails and Currier
- Raised the queries of Employee Claims
- Resolve all the queries of Employee through Mails
- Processing the Bills and Claims of Employees through SAP system
- Coordinate with Employees for Claims related queries & issue
- Reporting the daily Claims status to the seniors on TAT.
Programme Assistant
National Rural Health Mission(NRHM)
12.2012 - 02.2014
- Letter Drafting and Typing of Reproductive & Child health Programmes
- Making Presentations of all the Child Heath Program
- GIS (Geographic Information System) Mapping with Block, District and State Wise
- Collecting the data of Reproductive & Child health Program as a Block Wise, District Wise and State Wise.
Education
MBA in Banking -
Diploma in Finance Management -
T.Y.B. Com -
11.2010
H.S.C. -
08.2007
S.S.C. -
06.2005
Skills
- Loan structuring
- Documentation Review
- Credit analysis
- Cash Flow analysis
Languages
English
Marathi
Hindi
Additional Qualification
- Passed Ms-CIT Course with 70% in 2008.
- DTP & Tally Course in 2008 With A Grade.
- English Typing 30 words per minute With A grade & 40 is appearing.
- Marathi Typing 30 words per minute with B grade.
Personal Information
- Date of Birth: 11/06/90
- Nationality: Indian
- Marital Status: Married
Hobbies and Interests
- Listening Music
- Cooking
Timeline
Associate Credit Manager
Si Creva Capital Services Pvt. Ltd.
01.2024 - Current
Credit Manager
Switch My Loan PVT LTD
04.2023 - 12.2023
Sr. Credit Underwriter
Liquiloans Pvt. Ltd.
01.2022 - 04.2023
Sales Coordinator/MIS Coordinator
Conneqt Business Solutions Ltd.
08.2019 - 11.2021
Credit Executive
Talent Pro – People Resource Solutions
07.2018 - 08.2019
Operation Executive (Finance Executive: - CPC)
Tata Business Support Services Limited
02.2015 - 07.2018
Account Executive
E-nxt Financial Ltd
06.2014 - 01.2015
Programme Assistant
National Rural Health Mission(NRHM)
12.2012 - 02.2014
MBA in Banking -
Diploma in Finance Management -
T.Y.B. Com -
H.S.C. -
S.S.C. -
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